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Home loans

Home loans for every need with tools,
calculators and guides to help you choose.

Tools & Calculators
First home buyer
Refinance your home loan
Home Loan Key Facts Sheet

Intelligent
Mortgage 300

5.95
%
variable
interest
rate1
PA
6.06
%
comparison
rate2
PA

If your home loan is owner-occupied and is $300,000 or more, then this loan may be suitable for you.

100 % offset

No redraw fees

No ongoing fees

Variable and lump sum repayments

Automatic repayment from salary

Owner occupied home loan

 

Find out more
Apply online Book appointment

Intelligent
Mortgage Variable

6.19
%
variable
interest
rate1
PA
6.30
%
comparison
rate2
PA

If you’re looking to fund your next home purchase, or simply refinance your existing loan for a better deal, then look no further than LCU’s Intelligent Mortgage Variable.

100% offset

No redraw fees

No ongoing fees

Variable and lump sum repayments

Automatic repayment from salary

 

Find out more
Apply online Book appointment

Introductory
Home Loan

6.29
%
fixed
introductory
interest
rate1
PA
6.31
%
comparison
rate2
PA

Is it time to refinance? Lock in our discounted interest rate for 1 year. (For new money only)

No redraw fees

No ongoing fees

Principal and Interest repayments

Automatic repayment from salary

Owner occupied home loan

 

Find out more
Apply online Book appointment

Intelligent
Mortgage Fixed

1 Year Fixed

6.59
%
fixed
interest
rate1
PA
6.34
%
comparison
rate2
PA

2 Year Fixed

7.24
%
fixed
interest
rate1
PA
6.51
%
comparison
rate2
PA

Lock in one of our competitive interest rates for 1 or 2 years. This option gives you security knowing the rates won’t change during the locked period.

No redraw fees

No ongoing fees

Principal and Interest repayments

Automatic repayment from salary

 

Find out more
Apply online Book appointment

Savvy First Home
Buyer Loan

5.69
%
variable
interest
rate1
PA
6.15
%
comparison
rate2
PA

Our Savvy First Home Buyer Loan is designed to help first home buyers get into the market to purchase their first home and start to pay off their new home loan as quickly as possible!

Discount of 0.50%1 for the first 3 years of your loan

100% Interest offset

Fee free redraw facility

No ongoing monthly or annual fees

Variable Rate loan

Automatic repayment from salary

Only available for new owner-occupier loans

 

Find out more
Apply online Book appointment

Bridging Loan

7.99
%
variable
interest
rate1
PA
9.03
%
comparison
rate2
PA

Bridging loans will financially assist you when buying a new property while the sale of your existing home has not been finalised. LCU offers a 1 year interest only bridging loan to assist you during this process.

No ongoing fees

Automatic repayment from salary

 

Find out more
Apply online Book appointment

Home Renovation
Loan

10.85
%
variable
interest
rate1
PA
11.14
%
comparison
rate2
PA

If you are a property owner or have your current home loan with LCU and you are looking to renovate your home, the LCU Home Renovation Personal Loan might be just what you’re looking for.

No monthly, yearly or annual loan keeping fees

Fee free Redraw facility

Fee free extra repayments & no early repayment fees

Variable rate

Automatic repayment from salary

Great for making those big purchases for your home

 

Find out more
Apply online Book appointment
our offers

Our home loans offers

With an LCU home loan you can expect the following:

100% offset

No redraw fees

No ongoing fees

Early repayment options without penalty for variable rate home loans

Variable and lump sum repayments

Automatic repayment from salary
Apply online
Apply now

How do I apply?

Applying is simple! At LCU you have the flexibility to apply whenever and wherever you want to.

Quick Start home loan application Apply online now
Call us (02) 9859 0585
Visit us at our branch Contact Us
Things you should know

1 Rates are subject to change. Please refer to our rates and fees page. Credit eligibility criteria, terms & conditions, fees & charges apply.
2 Comparison rate based on a loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Please view the Target Market determination form here